Alaska Car Insurance Cost for 2023

How much does auto insurance cost in Alaska? We look at average rates for all vehicle segments plus rank the models with cheap car insurance quotes in Alaska.

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How much does car insurance cost in Alaska?

Car insurance for the average vehicle in Alaska costs $1,374 per year, or about $115 per month, which is 22.8% less than the U.S. average rate of $1,728.

Weather in Alaska is unpredictable, so 4-wheel drive and AWD vehicles are popular choices. Average car insurance rates for some of the more popular vehicles include:

  • Toyota Tacoma – $1,254 per year ($105 per month)
  • Toyota 4Runner – $1,286 per year ($107 per month)
  • Toyota RAV4 – $1,272 per year ($106 per month)
  • Subaru Forester – $1,158 per year ($97 per month)
  • Subaru Crosstrek  – $1,048 per year ($87 per month)
  • Subaru Outback – $1,182 per year ($99 per month)
  • Ford F-150 – $1,396 per year ($116 per month)
  • Chevrolet Silverado – $1,504 per year ($125 per month)
  • Ram 1500 – $1,500 per year ($125 per month)
  • Honda CR-V – $1,164 per year ($97 per month)

The chart below shows average car insurance rates in Alaska for the 2023 model year. Annual cost is included for driver ages 20 through 60 and for three different physical damage deductible amounts ($250, $500 and $1,000).

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Alaska car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Alaska zip codes.Data last updated on August 12, 2023
Average Car Insurance Cost in Alaska
Average Car Insurance Cost in Alaska
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,314$193
$500$2,734$228
$250$3,176$265
30$1,000$1,214$101
$500$1,450$121
$250$1,694$141
40$1,000$1,158$97
$500$1,374$115
$250$1,596$133
50$1,000$1,056$88
$500$1,250$104
$250$1,452$121
60$1,000$1,038$87
$500$1,228$102
$250$1,426$119

Rates in the chart above range from $1,038 per year for a 60-year-old driver with $1,000 deductibles to $3,176 per year for a 20-year-old driver with much lower $250 deductibles. For the same data, the average cost of car insurance per month in Alaska ranges from $87 to $265.

Car insurance quotes for teenage drivers in Alaska are not shown in the chart, but plan on paying considerably more to insure a 16 to 19-year-old. Average rates range from $3,464 per year for a 19-year-old female driver up to $4,922 per year for a 16-year-old male driver.

How does Alaska car insurance compare to other states?

When compared to other northwestern states, Alaska car insurance rates are 20.3% less than Oregon, 15.4% less than Wyoming, 18.6% less than Montana, 5.8% more than Idaho, and 17% less than Washington.

The chart below shows how auto insurance cost in Alaska compares to the other ten West region states. Alaska ranks third overall for the region for average car insurance affordability.

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Alaska Car Insurance Cost Compared to West Region
Average Car Insurance Cost in Alaska Compared to West Region
West Region States Average Insurance Cost Annual Difference
Hawaii$1,242-$132
Idaho$1,296-$78
Alaska$1,374--
Utah$1,584$210
Wyoming$1,604$230
Washington$1,630$256
Montana$1,656$282
Oregon$1,684$310
Colorado$1,930$556
Nevada$2,150$776
California$2,172$798

Nationally, Alaska ranks 12th for overall cheapest average car insurance rates. The average cost of car insurance in Alaska is 18.4% more expensive than North Carolina, 45% cheaper than California, 20.3% cheaper than Oregon, 47.3% cheaper than Florida, and 18.6% cheaper than Arizona.

Which vehicles have cheap car insurance in Alaska?

Small SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks tend to have the cheapest car insurance rates in Alaska. The Chevrolet Trailblazer ranks #1 overall, costing an average of $1,038 per year for full coverage insurance.

Other models that rank well for affordable car insurance in Alaska include the Nissan Rogue Sport, Mazda CX-5, and Buick Encore. For pickups, the cheapest model to insure in Alaska is the Ford Maverick, costing an average of $1,142 per year and ranking in the top 20 overall.

The cheapest small, midsize, and full-size luxury car insurance can be found on the Acura Integra at $1,234 per year, the BMW 330i at $1,394 per year, and the Acura TLX at $1,416 per year.

Luxury SUVs cost slightly more to insure than their car counterparts, and the most affordable models to insure in Alaska are the Acura RDX at $1,144 per year, the Lexus RX 350 at $1,230 per year, and the Cadillac XT4 at $1,240 per year.

The table below takes every model from the 2023 model year and ranks the top 75 by average insurance cost to find the models that are most affordable.

Top 75 Cheapest Vehicles to Insure in Alaska
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,038$87
2Subaru Crosstrek$1,048$87
3Nissan Kicks$1,052$88
4Honda Passport$1,068$89
5Nissan Rogue Sport$1,070$89
6Mazda CX-5$1,078$90
7Buick Encore$1,094$91
8Buick Envision$1,098$92
9Kia Seltos$1,114$93
10Subaru Ascent$1,118$93
11Hyundai Venue$1,122$94
12Subaru Impreza$1,136$95
13Chevrolet Colorado$1,142$95
14Ford Maverick$1,142$95
15Honda HR-V$1,142$95
16Acura RDX$1,144$95
17Hyundai Kona$1,152$96
18Subaru Forester$1,158$97
19Ford Edge$1,162$97
20Honda CR-V$1,164$97
21Mazda CX-30$1,168$97
22Volkswagen Atlas$1,170$98
23Ford Explorer$1,172$98
24Chevrolet Trax$1,180$98
25Nissan Murano$1,180$98
26Subaru Outback$1,182$99
27Nissan Frontier$1,186$99
28Volkswagen Tiguan$1,192$99
29Ford Bronco Sport$1,196$100
30Fiat 500X$1,218$102
31Ford Ranger$1,218$102
32GMC Terrain$1,220$102
33Kia Soul$1,222$102
34Mitsubishi Eclipse Cross$1,226$102
35Volkswagen Atlas Cross Sport$1,226$102
36Lexus RX 350$1,230$103
37Acura Integra$1,234$103
38Chevrolet Equinox$1,236$103
39Toyota Corolla Cross$1,238$103
40Cadillac XT4$1,240$103
41Volkswagen Taos$1,246$104
42GMC Canyon$1,248$104
43Toyota Venza$1,252$104
44Honda Odyssey$1,254$105
45Mazda CX-50$1,254$105
46Toyota Tacoma$1,254$105
47Volkswagen Jetta$1,254$105
48Hyundai Tucson$1,256$105
49Ford Escape$1,260$105
50Kia Sorento$1,260$105
51Nissan Rogue$1,264$105
52Subaru Legacy$1,264$105
53Volvo XC40$1,264$105
54Infiniti QX50$1,270$106
55Mazda MX-5 Miata$1,270$106
56Toyota RAV4$1,272$106
57Hyundai Palisade$1,274$106
58Kia Niro$1,274$106
59Mazda MX-30$1,274$106
60Nissan Sentra$1,274$106
61Hyundai Santa Cruz$1,278$107
62Mini Cooper$1,282$107
63Lexus UX 250h$1,284$107
64Jeep Compass$1,286$107
65Toyota 4Runner$1,286$107
66Chevrolet Tahoe$1,288$107
67Toyota Corolla$1,290$108
68Volkswagen Golf$1,292$108
69Toyota Prius$1,294$108
70Cadillac XT5$1,304$109
71Mini Cooper Clubman$1,306$109
72Toyota Camry$1,306$109
73GMC Acadia$1,308$109
74Chevrolet Traverse$1,312$109
75Mazda 3$1,316$110

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Alaska.Data last updated on August 12, 2023
    Top 75 Cheapest Vehicles to Insure in Alaska

    The chart below shows average car insurance quotes in Alaska for not only the ten vehicles we featured earlier in the article, but also an additional 15 models.

    Out of these 25 vehicles, less than ten made the table of the 75 cheapest vehicles to insure shown above.

    The table icon below the chart allows you to view both annual and monthly average car insurance rates for all 25 vehicles.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Alaska car insurance cost is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Alaska Zip Codes.Data last updated on August 12, 2023
    Alaska Car Insurance Rates for Popular Vehicles
    Alaska Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Subaru Crosstrek$1,048$87
    Subaru Forester$1,158$97
    Honda CR-V$1,164$97
    Subaru Outback$1,182$99
    Chevrolet Equinox$1,236$103
    Toyota Tacoma$1,254$105
    Nissan Rogue$1,264$105
    Toyota RAV4$1,272$106
    Toyota 4Runner$1,286$107
    Toyota Camry$1,306$109
    Kia Forte$1,348$112
    Toyota Highlander$1,372$114
    Honda Accord$1,390$116
    Ford F150$1,396$116
    Hyundai Santa Fe$1,408$117
    Toyota Tundra$1,444$120
    Jeep Grand Cherokee$1,460$122
    Ford Mustang$1,490$124
    Jeep Cherokee$1,492$124
    GMC Sierra$1,498$125
    Hyundai Elantra$1,500$125
    Ram Truck$1,500$125
    Chevrolet Silverado$1,504$125
    Jeep Wrangler$1,520$127
    Chevrolet Corvette$1,696$141

    Alaska car insurance rates by city

    Shown in the list below are average annual and monthly car insurance costs for some of the larger cities in the state of Alaska. Visit any page to view detailed rate information, including average cost by automotive segment, rates by driver risk profile, and the vehicles with the cheapest car insurance quotes in each city.

    Additional insights into car insurance in Alaska

    It’s challenging to write one article that includes enough data to properly illustrate how variable car insurance rates are without being overwhelming. The list below includes a few additional points that can impact the cost of insurance not only in Alaska, but any state.

    • The higher deductible you choose, the lower the policy cost. Increasing the physical damage deductibles on your policy from $500 to $1,000 could save around $284 per year for a 40-year-old driver and $552 per year for a 20-year-old driver. Just be sure you have financial resources available to cover the extra cost in case of a claim.
    • Conversely, lowering deductibles makes car insurance more expensive. Lowering your comprehensive and collision deductibles from $500 to $250 could cost an additional $294 per year for a 40-year-old driver and $1,452 per year for a 20-year-old driver. Since lower deductibles mean less out-of-pocket expense with a claim, you’ll pay more for the policy.
    • Alaska car insurance is cheaper for safe drivers. Too many at-fault accidents can cost more, as much as $638 per year for a 30-year-old driver and even $442 per year for a 50-year-old driver. Avoid accidents and you’ll save money.
    • Younger drivers pay higher rates. The difference in average car insurance cost between a 50-year-old driver ($1,250 per year) and a 20-year-old driver ($2,734 per year) is $1,484, or a difference of 74.5%.
    • Earn policy discounts to save money. Discounts may be available for things like driving a vehicle with safety or anti-theft features, insuring multiple vehicles on the same policy, being accident-free, being a military or federal employee, or many other discounts which could save the average driver $130 or more each year.
    • Improve your credit for cheaper car insurance. Drivers who maintain a credit score over 800 could save up to $216 per year when compared to a credit rating of 670-739. Conversely, a not-so-perfect credit rating could cost around $250 more per year.